First Financial Bancorp. (FFBC)
NEUTRALFundamental
61
Price
$32.85
Market Cap
$3.47B
Part 1 · What the company is worth
Overview
First Financial Bancorp. operates as the bank holding company for First Financial Bank that provides commercial banking and banking-related services to individuals and businesses in Ohio, Indiana, Kentucky, and Illinois. The company offers checking and savings accounts; and accepts various deposit products, such as interest-bearing and non-interest-bearing accounts, time deposits, and cash management services for retail and commercial customers. It also provides real estate loans secured by residential property, such as one to four family residential housing units or commercial property comprising owner-occupied and/or investor income producing real estate consisting of apartments, shopping centers, and office buildings; commercial and industrial loans for various purposes, including inventory, receivables, and equipment, as well as equipment and leasehold improvement financing for franchisees; consumer loans, such as new and used vehicle loans, second mortgages on residential real estate and unsecured loans; and home equity lines of credit. In addition, the company offers secured commercial financing services to the insurance industry, registered investment advisors, certified public accountants, indirect auto finance companies, and restaurant franchisees. Further, it provides a range of trust and wealth management services, lease and equipment financing services, currency payments, foreign exchange hedging, commodities hedging, and other advisory products. First Financial Bancorp. was founded in 1863 and is headquartered in Cincinnati, Ohio.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$1.01B
Trailing 12 months (through 6/30/2026)
Net Income
$285M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$317M
Total Equity
$2.77B
Total Liabilities
$18.36B
Current Ratio
-
Interest Coverage
0.50
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$29.52
Current Price
$32.85
Margin of Safety
-11.3%
Fair Value Range
$23.21 - $35.84
Estimation Methods
Valuation Metrics
P/E Ratio
11.64
ROE
9.2%
P/B Ratio
1.16
P/FCF
4.57
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
11.0%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (15)
- P/FCF 4.57
- P/B Ratio 1.16
- Operating Margin 35.5%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- ROE 10.1%
- Revenue Growth 5Y 11.9%
- Analyst Consensus 62% Buy
- Earnings Surprise avg 2.9%
- PEG Ratio 1.16
- Earnings Quality (OCF/NI) 2.78
- Share Dilution 0.8%
- Net Margin Trend 28.3% vs 28.0%
Failed (8)
- EPS shows upward trend
- EPS CAGR -3.60%
- Price CAGR 1.50%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Piotroski F-Score 4/9
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Share count is stable
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Archie M. Brown Jr. | President, CEO & Director | 64 |
| Mr. James Michael Anderson | Executive VP, CFO & COO | 53 |
| Ms. Karen Ball Woods J.D. | Executive VP, General Counsel, Chief Administrative Officer & Corporate Secretary | 57 |
| Mr. Richard S. Dennen CPA | Executive VP & Chief Corporate Banking Officer | 58 |
| Ms. Amanda N. Neeley | Executive VP and Chief Consumer Banking & Strategy Officer | 44 |
| Mr. Gregory A. Harris | President of Yellow Cardinal Advisory Group | 55 |
| Mr. Roddell McCullough | Chief Responsibility Officer | - |
| Mr. William R. Harrod | Executive VP & Chief Credit Officer | 57 |
| Mr. James R. Shank | Chief Internal Auditor | - |
| Ms. Ann Davis | Mortgage Lending President | - |
Audit Risk
4
Board Risk
4
Compensation Risk
1
Shareholder Rights Risk
7
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for FFBC, sourced from Markets Gazette.
- 4/24/2026NEUTRALFull Transcript: First Financial Bancorp Q1 2026 Earnings Call
First Financial Bancorp has released the full transcript of its Q1 2026 Earnings Call. While the transcript provides detailed insights into the company's performance, strategic initiatives, and future outlook, it does not contain specific forward-looking guidance or immediate performance metrics that would suggest a significant shift in the stock's valuation. Investors should review the transcript for qualitative information regarding management's commentary on market conditions, operational efficiency, and growth opportunities, but the document itself is primarily informational.
via Markets Gazette